What are the different options for debt help?

There are several options available for debt help. The first option is debt consolidation, which involves combining multiple debts into one manageable payment. Another option is credit counseling, where a professional helps create a budget and offers guidance on managing debts. Debt settlement is an option for those struggling to pay their outstanding debts, where negotiations are made to settle the debt for a lower amount. Bankruptcy is a last resort option for those overwhelmed with debt and unable to make payments. It involves legal proceedings to discharge or restructure debts. It's important to consult a financial advisor or credit counselor to determine the best option based on individual financial circumstances.